Call reports 2009
JUNIATA VALLEY BANK, THE — 2009
What JUNIATA VALLEY BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 424,905,000 | 429,978,000 | 430,857,000 | 436,526,000 |
| Total loans | 309,642,000 | 307,745,000 | 310,940,000 | 311,630,000 |
| Allowance for loan losses | 2,532,000 | 2,496,000 | 2,605,000 | 2,719,000 |
| Securities available for sale | 68,230,000 | 72,129,000 | 80,077,000 | 75,259,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,777,000 | 372,325,000 | 372,888,000 | 377,889,000 |
| Interest-bearing deposits | 316,446,000 | 320,594,000 | 321,826,000 | 322,367,000 |
| Noninterest-bearing deposits | 50,331,000 | 51,731,000 | 51,062,000 | 55,522,000 |
| Equity capital | 43,248,000 | 43,416,000 | 44,065,000 | 44,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,919,000 | 11,819,000 | 17,554,000 | 23,211,000 |
| Interest expense | 1,920,000 | 3,781,000 | 5,593,000 | 7,278,000 |
| Net interest income | 3,999,000 | 8,038,000 | 11,961,000 | 15,933,000 |
| Noninterest income | 1,194,000 | 2,281,000 | 3,182,000 | 4,163,000 |
| Noninterest expense | 3,164,000 | 6,424,000 | 9,405,000 | 12,517,000 |
| Provision for loan losses | 135,000 | 212,000 | 377,000 | 627,000 |
| Pretax income | 1,894,000 | 3,610,000 | 5,288,000 | 6,901,000 |
| Income tax | 516,000 | 976,000 | 1,400,000 | 1,830,000 |
| Net income | 1,378,000 | 2,634,000 | 3,888,000 | 5,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,873,000 | 42,151,000 | 42,606,000 | 42,956,000 |
| Total capital | 44,405,000 | 44,647,000 | 45,211,000 | 45,675,000 |
| Risk-weighted assets | 267,487,000 | 270,459,000 | 269,091,000 | 276,077,000 |
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